Banking and Lending

In the intricate world of banking and lending, navigating the complexities requires more than just expertise—it demands a partner who can guide you with precision and insight. At Texas Horizons Law Group, we stand as your trusted navigators in the nuanced domain of banking and lending law. 

At Texas Horizons Law Group, our banking and lending practice team offers a breadth of services tailored to the needs of financial institutions. Our experienced team, including attorneys board certified in commercial real estate law, residential real estate law, farm and ranch real estate law, and oil, gas, and mineral law, provides comprehensive support designed to streamline operations, mitigate risks, and enhance the lending experience for both lenders and borrowers.

Loan Documents

Banking and Lending Legal Services We Provide:

Loan Documentation Services

Customized Loan Documentation: Our expertise extends to preparing loan documents for a wide array of loans, including commercial real estate, commercial asset based, commercial construction, residential real estate, owner interim construction, home equity, spec house construction, real estate development, and more specialized areas such as SBA (7a and 504), guidance lines, agricultural, and oil and gas loans. We prepare loan modifications, assumptions, and releases. Our approach is designed to simplify the process for loan officers, processors, and reviewers, ensuring efficiency and accuracy at every step.

Loan Workouts, Foreclosures, and Debt Collections

Navigating Problem Loans: When loans deviate from their expected course, our team is skilled in executing workouts, modifications, and foreclosures. We aim to get problem loans back on track whenever possible, utilizing strategies from demand letters to more complex foreclosure proceedings, including home equity foreclosures and UCC collateral liquidations.

Efficient Resolution and Collection: Our goal is to resolve issues efficiently, minimizing impact and maximizing recovery. Our expertise includes navigating the collection process post-foreclosure, ensuring that our clients' interests are protected and pursued with diligence.

Advisory and Other Services

Comprehensive Support on Loan-Related Matters: Our advisory services cover a wide range of issues that can arise during the lending process, from loan structure, homestead, and title issues to questions about collateral. Our team is ready to provide prompt and informed answers, helping you navigate these complexities with confidence.

Regulatory Guidance and Corporate Governance: Beyond individual transactions, we offer guidance on regulatory compliance and day-to-day banking operations. We also support financial institutions in matters of corporate governance, including the review and updating of governing documents and assistance with shareholder and director meetings.

Why Choose Texas Horizons Law Group for Your Banking and Lending Legal Needs?

When it comes to navigating the complexities of banking and lending law in Texas, having the right legal partner is crucial. At Texas Horizons Law Group, we combine deep local expertise with a comprehensive understanding of banking and lending law to offer unmatched legal services to our clients. Our team brings:

  • Specialized Knowledge. Our attorneys are not just practitioners of law; they include attorneys Board Certified in Commercial Real Estate Law, Residential Real Estate Law, Farm and Ranch Real Estate Law, and Oil, Gas and Mineral Law by the Texas Board of Legal Specialization.
  • Innovative Software Solutions: We leverage advanced software to develop and code our own loan forms, allowing us to offer both time-tested document sets and the flexibility to incorporate any custom forms or language required by our clients. Our commitment to continuous improvement means our documents are always evolving to meet the highest standards.
  • Fixed Fees and No Surprises: Understanding the importance of predictability, we charge fixed fees for nearly all our loan document preparations, eliminating surprises at closing. This transparency extends to our handling of rush jobs—at no extra charge—and our policy of not charging for redraws or negotiations and drafting revisions to loan documents as part of our fixed fee.
  • A Proven Track Record. Our firm's reputation is built on a foundation of success. Our attorneys have consistently delivered results for our clients. Our track record speaks for itself, and it's a testament to the high standards of excellence we uphold in our practice.
  • A Commitment to Client Service. At the heart of Texas Horizons Law Group is a commitment to exceptional client service. We pride ourselves on our responsiveness, transparency, and the ability to simplify complex legal issues for our clients. We aim to be frictionless and a seamless part of your operations.
  • Forward-Thinking Legal Strategies. Leveraging the latest legal technologies and strategies, we provide forward-thinking advice that addresses today's challenges and anticipates tomorrow's opportunities.
Loan Documents

TBLS Board Certification

Our attorneys include attorney who hold esteemed Board Certifications from the Texas Board of Legal Specialization in key areas of real estate law, demonstrating a high level of experience and expertise. This certification ensures you receive the highest quality of legal services, backed by a comprehensive understanding of Texas real estate law and a commitment to ongoing education and ethical practice.

Client Success Stories

Client Success Stories

Discover how our legal proficiency at Texas Horizons Law Group has positively transformed the lives and businesses of our clients. Read their success stories here.

Estate Planning and Probate

Developed comprehensive estate plan for client with taxable estate. Using a family limited partnership and gifting program, client’s estate passed to family free of inheritance tax.

Business & Corporate

Represented our client in the sale of various assets to a publicly traded corporation. The complex transaction involved the buyer purchasing the assets for a combination of cash, stock, and assumption of debt. Numerous issues that could have derailed the sale were dealt with resolved during the course of our representation. We worked with the seller’s counsel and seller’s lender’s counsel to resolve issues resulting in a successful sale.

Real Estate

Represented seller of apartment complex for $13,400,000. Negotiated and drafted purchase and sale agreement and closing documents. Drafted closing documents.

Estate Planning and Probate

The deceased’s original will could not be located. Neither could a copy of the signed will. We filed an application for probate of a lost will and were able to prove the will had been executed and its contents. This allowed the executor to carry out the deceased’s wishes and avoided the estate passing under the intestacy laws of the state of Texas.

Estate Planning and Probate

Accommodated estate planning clients who were traveling out of the country by quickly drafting a comprehensive estate plan to provide clients security while away. Met with clients, drafted estate planning documents, and executed the documents within a weeks time period to accommodate their schedule.

Banking & Lending

Represented lender in $15,000,000 guidance line of credit (“GLOC”) transaction with a residential home builder. The loan agreement included extensive terms and conditions for making loans under the GLOC for the purchase of lots and construction of homes.

Estate Planning and Probate

Assisted estate planning client in creation of family limited partnership. Result was the client’s oil, gas and mineral holdings will pass to the client’s children in a tax-advantageous manner.

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Client Testimonials

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Meet Your Banking & Lending Attorneys

  • Christopher H. Moore

    Christopher H. Moore

    Banking & Lending, Real Estate, and Business & Corporate

  • Stephen K. Ganske

    Stephen K. Ganske

    Real Estate, Banking & Lending, Business & Corporate, and Estate Planning & Probate

  • Hunter H. Hewell

    Hunter H. Hewell

    Real Estate, Banking & Lending, Business & Corporate, and Estate Planning & Probate

  • Jillian G. Bliss

    Jillian G. Bliss

    Real Estate, Banking & Lending, Business & Corporate, and Estate Planning & Probate

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Need Banking & Lending legal assistance? Let’s Connect.

The complexities of banking and lending law require a knowledgeable and experienced partner. Texas Horizons Law Group is here to navigate these challenges alongside you. Contact us today to discover how our expertise can advance your financial institution's goals. Whether you're exploring new opportunities, facing legal challenges, or seeking strategic advice, we're ready to provide the support and guidance you need.

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